VHIS Scheme

A range of medical protection plans, certified under the Hong Kong Government's Voluntary Health Insurance Scheme
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VHIS launches in Hong Kong on
APRIL 1
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EARLY BIRD PROMOTION
The Voluntary Health Insurance Scheme (VHIS) is a government-endorsed scheme that aims to give the Hong Kong public better access to timely, high quality private medical treatment. Private health insurance plans that meet the Government’s criteria are officially certified as VHIS plans.

WORLDWIDE HEALTH INSURANCE FOR YOUR PROTECTION

Hospitalization Costs
Guaranteed renewal up to age of 100, with no lifetime benefit limit
Confidence that you will have protection into your later years
Advanced Diagnostics
Non-surgical cancer treatment cover
Covers chemotherapy, radiotherapy, targeted therapy, immunotherapy and hormonal therapy for cancer treatment
Pre and Post Surgery
Unknown pre-existing condition cover
Partial cover in first 3 years
Full cover from 4th year onwards
Advanced Diagnostics
Surgery and advanced diagnostic imaging cover on out-patient basis
CT scan, MRI scan, PET scan, PET-CT combined and PET-MRI combined
VHIS Plan Comparison
Standard Plan
Flexi Plans
Hospitalization benefits
iBenefits include:
  • Room and Board
  • Miscellaneous charges
  • Attending doctor's visit fee
  • Specialist's fee
  • Intensive care
Standard VHIS cover

Stay tuned!

Flexi Plans offer at least the same coverage as the Standard Plan, with enhancements to give you a wider range of options to better fit your needs.

Cigna has prepared a Standard Plan and at least one Flexi Plan and will announce the details here as soon as we have received confirmation from HK Government on the registration status.

Surgical benefits
iBenefits include:
  • Surgeon's fee
  • Anaesthetist's fee
  • Operating theatre charges
Standard VHIS cover
Diagnostic Imaging
iThis means:
Prescribed Diagnostic Imaging tests (CT scan, MRI scan, PET scan, PET-CT combined and PET-MRI combined); Standard VHIS cover is subject to 30% co-insurance
Standard VHIS cover
Cancer Treatment
iThis means:
Prescribed Non-surgical Cancer Treatments which covers chemotherapy, radiotherapy, targeted therapy, immunotherapy and hormonal therapy for cancer treatment
Standard VHIS cover
Other VHIS benefits
iBenefits include:
  • Pre- and post-Confinement/Day Care Procedure outpatient care
  • Psychiatric treatments
Standard VHIS cover
Annual Benefit Limit $420,000
Lifetime Benefit Limit
Entry age 15 days to 80 years
Expiry age Guaranteed renewable to age 100
  Learn More Learn More
MAKING A CLAIM IS SIMPLE WITH CIGNA!
Cigna policyholders can enter claim details on the MyCigna app or online.
Upload photos of any supporting documents.
After the claim has been processed, we will reimburse you directly to your bank account.
TAX DEDUCTION

Premiums you pay for VHIS Certified Plans covering you and your dependants are eligible for tax deduction, based on the Government’s recent update to the Inland Revenue Ordinance. The maximum tax deduction is $8,000 per insured person per year, with no cap on the number of policies or dependants you claim a deduction for.

Cooling-off guarantee

If you buy a VHIS plan but re-think your purchase and decide it's not right for you, you have the right to cancel your policy with a full refund of all premiums paid within 30 days.

ILLUSTRATIONS FOR VHIS PLANS
Standard Plan
Flexi Plans
Vanessa 25
VHIS Standard Plan
The following example is hypothetical and for illustrative purposes only.
Recently graduated, Vanessa is excited to be taking up her first proper job. While it’s not a high starting salary, she’s pleased to learn that the job comes with outpatient medical insurance. But recently Vanessa’s best friend had to go into hospital for a small surgery that cost her a lot of money, and Vanessa is concerned that her employer’s medical insurance doesn’t cover scenarios like this. Despite her tight budget, Vanessa feels she would like to supplement her employer’s package with a hospital insurance plan.
How the Standard Plan fits her needs:
  • basic hospital cover with government endorsement, clear pre-defined terms and conditions
  • tax deduction on premium paid
  • affordable prices
  • no exclusions added even if her health circumstances change over time
Diagnosed a year later with a cataract in her left eye, Vanessa has to undergo surgery in day care center.
Benefit itemHK$
Surgeon's fee12,000
Operating theatre charges3,000
Anaesthetist’s fee3,000
Total covered18,000
No shortfall remains and Vanessa can rest assured with easy recovery without financial strain.
Flexi Plans
Cigna has prepared at least one Flexi Plan and is waiting for confirmation from HK Government on its registration status. The details will be available here as soon as the application result is confirmed.
FAQS
VHIS
What makes Certified Plans different from existing products in the market?
There are a few features that make Certified Plans of VHIS Standard Plan and the basic coverage of Flexi Plans different from existing market offerings, including:
  • Standard policy terms and conditions, benefit coverage and amount
  • No lifetime benefit limit
  • Premium transparency
  • Guaranteed renewal up to age 100
  • Cover for unknown pre-existing conditions, congenital conditions, non-surgical cancer treatment, day-case procedures and advanced diagnostic imaging tests etc.
Do all Certified Plans offered by different insurers share the same features?

All Standard Plans offered by different insurers share the same core features with standard benefit amounts on the basic coverage.

Meanwhile, the coverage and benefit amounts of Flexi Plans are up to insurers' discretion, although they must be at least as comprehensive as what the Standard Plan offers.

Are Certified Plans only available to Hong Kong residents?
No, there is no special residency restriction under VHIS. However, the tax benefit for VHIS policy holders (and their spouses) is only applicable to Hong Kong taxpayers.
Can I claim for medical expenses incurred outside Hong Kong?
Yes, you can. All Standard Plan coverage (except on psychiatric treatment) is worldwide. Flexi Plans must offer at least Standard Plan level coverage on a worldwide basis, while there can be restrictions on the enhanced coverage by region (e.g. Asia only). In other words, no matter if it is a Standard Plan or Flexi Plan you are holding, you can rest assured that any medical expenses incurred outside Hong Kong will be covered at least to the level of the Standard Plan.
Do Certified Plans cover my pre-existing health conditions?
Certified Plans cover your unknown pre-existing conditions. In the first 3 policy years, they are partially covered, while starting in the 4th policy year, they are fully covered. For known pre-existing conditions, the available coverage depends on insurers' underwriting rules. It is important to disclose any known health conditions as failing to declare could affect coverage.
What if my pre-existing health condition is congenital?
Certified Plans cover your congenital conditions which have manifested or been diagnosed after the age of 8. In first 3 policy years, there is partial coverage, while starting in the 4th policy year, it is fully covered.
Do Certified Plans cover Critical Illnesses?
VHIS is a scheme for individual hospitalization insurance products, which reimburse medical expenses incurred on inpatient and outpatient basis. Therefore extra cover on Critical Illness is not guaranteed, depending on Flexi Plans offered by insurers.
How many VHIS plan can I hold?
There is no special limit on the number of policies one can hold under VHIS. However, this is subject to the underwriting rules of each insurance company.
Purchasing a VHIS plan
Through what channel can I enroll into a VHIS plan?
Applications are only open from April 2019. Leave your contact info and we will let you know the full details then!
Can I buy VHIS for my family members?
Yes. You can apply for policies for yourself, your spouse and your children. For other family members (e.g. parents or siblings), fulfillment of some conditions are required to enjoy the tax benefits on the policy. For more details, please call our hotline (8100 0471).
I have an existing policy. Can I convert my policy to a Certified Plan?

Yes, from 1 April 2019.

Policy holders of existing individual indemnity hospital insurance plans (IHIP) will be entitled to a migration opportunity to convert their existing plan to a VHIS plan. VHIS plan providers will notify their existing IHIP customers on relevant migration arrangement and underwriting requirements.

Tax deduction
How does the tax deduction work?
The tax deduction is an additional incentive for HK citizens to purchase Certified Plans under VHIS. When you file your tax return, any premiums you or your spouse have paid towards VHIS Certified Plans can be deducted from your total taxable income (subject to a deduction ceiling of HK$8,000 per insured person per tax year).
If I have more than one VHIS policy, can I deduct all the premiums?
There is no cap on the number of VHIS policies you can claim tax deduction for, however the total annual deductible amount is HK$8,000 per insured person per tax year. This means if you have VHIS policies covering different dependants (e.g. children or parents), you have a separate HK$8,000 quota per dependant, with no cap on the number of dependants insured.
When can I start including my premiums in my tax return?

Premiums paid into VHIS plans from 1 April 2019 will count towards tax deduction, so the first tax year affected will be the one ending 31 March 2020.

Soon after the end of each tax year following VHIS launch, the company will provide you with a record of all eligible premiums paid (along with any premium refunds made) during that tax year. You can use this as reference when filing your tax return. Note that you can only claim tax deduction on VHIS premiums paid during the applicable tax year.

PRODUCT DETAILS
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More details coming soon, stay tuned for April announcement!